Assessment of financing scope with 4620 euros net

Yes, I see it exactly the same way as you. Unfortunately, the clothes/brand book keeps escalating immensely... You think that just because you buy "Boss" or something else, it is qualitatively higher-quality goods or "Fair Trade" goods (believe me - it definitely is not)... Ultimately, everything comes from the same place.

My best winter jackets/shirts are sometimes the cheapest stuff from discounters or HaaundEmmm...

€20 very, very sporty, no question... Triple digits in my opinion are completely exaggerated, especially if you don't value "brands."

Haha that's why we also didn't build for 700k or calculate the monthly rate at the level of a comparable current rent (with 30 years fixed interest rate and special repayment option). My wife recently had a training in Berlin and spent nearly €1,000 on clothes alone, plus €1,200 for the training. I would never have built or financed in my life if I had to keep a household budget for the next 20-30 years or weigh every expense (although I also found the shopping unnecessary).

The demographics and the current age pyramid are really great to look at, but they have the disadvantage that they are an absolute snapshot. No one can estimate how the birth rate, political development, immigration, or the economic system will develop in the coming decades. These are model calculations, so personally I don’t give a damn about them. The question can only be what is possible now and in the next few years regarding financing, so that you don’t end up in trouble. You can’t cover all eventualities anyway.

To the OP: there is massive lying about money in Germany. There is the subsidy from the parents, or they act as guarantors. Maybe the parental home is brought in as collateral. And so on and so forth. It’s the same with cars. Many have the newest ride parked in front of the door and justify the leasing. I can only advise you to look at yourselves. The Finanzguru app can be thrown away, Excel or a similar program should be used. List everything and enter it. As I already mentioned. Get an overview of your own finances. Then get rid of consumer debt as quickly as possible. You will see your financial situation improve significantly with discipline relatively quickly.

That’s not what it’s about... Everyone has different ideas about that. So you certainly don’t have a "dream of owning a home." Anyone who has that will surely gladly give up many other things! It all depends on what priorities you set.

A lot would have had to happen for me NOT to have decided on owning a home. For me, there is no greater quality of life than that. Not even a shopping spree with €100,000 can compare xD

I am not speaking against the dream of owning your own home. I am talking about the nightmare of homeownership, when the financing takes your breath away or you have to do without (almost) everything else. And all this also in connection with a previously missing savings performance.

What’s the deal with the app and Excel? At the end of the month or after 3-4 months there has to be a surplus X in the account. Or rather, they are not 18. In their mid-30s and with a few years of professional experience, you can see how much you have saved up. Very few people completely change their consumption behavior with house construction. Either my loan payment is roughly my current cold rent or roughly the NKM plus part of what I have been able to save monthly on average over the last few years. The rest is wishful thinking.